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    • Hi Sorry for the delay in getting back to you The email excuse and I do say excuse to add to your account and if court decide LL can't recoup costs will be removed is a joke. So I would Ask them: Ask them to provide you with the exact terms within your Tenancy Agreement that allows them to add these Court Fees to your Account before it has been decided in Court by a Judge. Until the above is answered you require these Court Fees to be removed from your Account (Note: I will all be down to your Tenancy Agreement so have a good look through it to see what if any fees they can add to your account in these circumstances)
    • Thank you for your responses. As requested, some more detail. Please forgive, I'm writing this on my phone which always makes for less than perfect grammar. My Dad tries but English not his 1st language, i'm born and bred in England, a qualified accountant and i often help him with his admin. On this occasion I helped my dad put in his renewal driving licence application around 6 weeks before expiry and with it the disclosure of his sleep apnoea. Once the licence expired I told him to get in touch with his GP, because the DVLA were offering only radio silence at that time (excuses of backlogs When I called to chase up). The GP charged £30 for an opinion letter on his ability to drive based on his medical history- at the time I didn't take a copy of the letter, but I am hoping this will be key evidence that we can rely on as to why s88 applies because in the GP opinion they saw no reason he couldn't drive i need to see the letter again as im going only on memory- we forwarded the letter in a chase up / complaint to the DVLA.  In December, everything went quiet RE the sleep apnoea (i presume his GP had given assurance) but the DVLA noticed there had been a 2nd medical issue in the past, when my father suffered a one off mini stroke 3 years prior. That condition had long been resolved via an operation (on his brain of all places, it was a scary time, but he came through unscathed) and he's never had an issue since. We were able to respond to that query very promptly (within the 14 days) and the next communication was the licence being granted 2 months later. DVLA have been very slow in responding every step of the way.  I realise by not disclosing the mini stroke at the time, and again on renewal (had I known I'd have encouraged it) he was potentially committing an offence, however that is not relevant to the current charge being levied, which is that he was unable to rely on s88 because of a current medical issue (not one that had been resolved). I could be wrong, I'm not a legal expert! The letter is a summons I believe because its a speeding offence (59 in a temp roadworks 50 limit on the A1, ironically whist driving up to visit me). We pleaded guilty to the speeding but not guilty to the s87.  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive. They also confirmed in writing, but the letter explains the DVLA offer no opinion on the matter and that its up to the driver to seek legal advice. I'll take the advice to contact DVLA medical group. I'm going to contact the GP to make sure they received the SAR request for data, and make it clear we need to see a copy of the opinion letter. In terms of whether to continue to fight this, or to continue with the defence, do we have any idea of the potential consequences of either option? Thanks all
    • stopping payments until a DN arrives does not equal automatic sale to a DCA...if you resume payments after the DN.  
    • Sleep apnoea: used to require the condition  to be “completely” controlled Sometime before June 2013 DVLA changed it to "adequately" controlled. I have to disagree with MitM regarding the effect of informing DVLA and S.88 A diagnosis of sleep apnoea doesn't mean a licence wont be granted, and, indeed, here it was. If the father sought medical advice (did he?) : this is precisely where S.88 applies https://assets.publishing.service.gov.uk/media/64edcf3a13ae1500116e2f5d/inf1886-can-i-drive-while-my-application-is-with-dvla.pdf p.4 for “new medical condition” It is shakier ground if the opinion of a healthcare professional wasn’t sought. in that case it is on the driver to state they believed they met the medical standard to drive. However, the fact the licence was then later granted can be used to be persuasive that the driver’s belief they met the standard was correct. What was the other condition? And, just to confirm, at no point did DVLA say the licence was revoked / application refused? I’d be asking DVLA Drivers’ Medical Group why they believe S.88 doesn’t apply. S.88 only applies for the UK, incidentally. If your licence has expired and you meet the conditions for S.88 you can drive in the U.K., but not outside the U.K. 
    • So you think not pay until DN then pay something to the oc to delay selling to dcas?    then go from there? 
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Cabot /Mortimer Claimform - Newday Fluid Card - stayed - Now N244 - Summary Judgement ***Claim Discontinued***


albouk
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This debt was originally for a Newday Fluid credit card which has since been sold to Cabot Financial and is now being pursued by Mortimer Clarke.

 

When Mortimer Clarke began to chase the debt I asked for the credit agreement, default notice and deed of assignment, this was not produced at the time of asking, they claim it was sent out in their witness statement!

 

They sent out a LBA 6 months later on the 25th March 2021 which we did ignore because of the lack of evidence, on the 28th March 2021 they issued a claim.

 

I did defend the claim stating they had not shown the debt existed as they failed to provide the credit agreement, default notice and deed of assignment. The case was left stayed until late February 2023 and now they are applying for Summary Judgement.

 

2 other things to note,

in their witness statement they state they sent out the documents asked for in the defence on the 18th of February 2022,

upon checking the document in the witness statement it was sent to an email address belonging to my partner which is a surprise since all previous contact was via post and he does not remember getting it.

 

They did send a warning about applying for summary judgement back in September 2022 but again we ignored this because we didn’t have the documents.

The first time we have seen the requested documents is upon receiving the bundle from the court last week.

 

The hearing is on the 28th March 2023.

 

This and all other debts defaulted back in summer 2019 ideally, I do not want a CCJ.

The only anomaly I can see to argue my case is that we never did receive a default notice at the time even though one has been included as evidence.

 

I have on a “without prejudice save as to costs” basis attempted to come to an arrangement with them.

I offered £500 as a full and final settlement or £100 per month for the full debt.

This was rejected as they have been advised to pursue for Summary Judgement even though in their witness statement, they would be happy to accept monthly payments if I lose.

 

They then sent an email stating they would ask the court for costs totalling around £750.

 

Any help would be appreciated.

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  • dx100uk changed the title to Cabot /Mortimer Claimform - Fliud Card - stayed - Now N244 - Summary Judgement
  • dx100uk changed the title to Cabot /Mortimer Claimform - MBNA Fluid Card - stayed - Now N244 - Summary Judgement

have you actually received the N244 etc in the Post.

 

they should not be served via email!!

 

you need to cut that off now

send one email to their sols, stating email is NOT to be use dfor anything regarding our mutual court claim.

 

you state you did received exhibits in their WS.

 

can you scan up the N244 ( if you have had a PAPERCOPY (not via email)

 

and also their FULL WS inc Exhibits

 

read our upload guide CAREFULLY

one mass PDF only please!

 

dx

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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does that ip address trace to near you for the time of take out?

 

you said this was orginally an mbna card but the fleecers claim it was a newday fluid card taken out through a third party provider/broker at 11pm at night? M1 Money is it? do you remember doing this?

 

 

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I’m not sure who has added the MBNA to the text or title of this post, it wasn’t me. The card was a Newday Fluid.

 

The IP address is ours I investigated that. I don’t remember taking out the card at all!

 

After looking at the bundle of evidence they have submitted I can see 2 points to go back at them with which may be enough to stop the summary judgement.

 

1. I don’t recall receiving a default notice, as this is a purchased debt they are relying on information from Newday. They have provided a default notice but have failed to show proof of service.

 

2. In the credit agreement page 21 onto 22 of the exhibits “how can the agreement be ended”  it states they can cancel the agreement giving 2 months’ notice and then goes on to say in the same headed section about repeated missed payments etc. At the bottom it states “we will give you advance notice and the chance to fix the breach before taking these steps”. As a default notice is a termination of the agreement could I argue even if the default notice was served they didn’t give me 2 months as in the agreement. I know in other credit agreements I have they clearly differentiate between normal termination and default termination.

 

What are your thoughts?

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  • dx100uk changed the title to Cabot /Mortimer Claimform - Newday Fluid Card - stayed - Now N244 - Summary Judgement

sorry about mbna sorted now.

 

weighing everything up

 

they appear to hold all the cards they need too?

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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neither are valid.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

What about notice of sums in arrears. I’ve never had any notices after the debt was assigned. CCA 1974 s86(d) states the agreement is unenforceable during a period of non compliance. Notices should be provided at least every six months. 

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well they are in the upload, several of them.

and even if they dont send them, it doesn't make the agreement voided, simply that they cant charge interest for that period.

 

dont get confused with no DN, that they have too and it looks compliant as well.

 

dx

 

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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nope makes no real odds 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi @albouk, I wanted to let you know that your full name appears several times within your upload in post number 3.  It is on pages 70, 83, 88, 97, 111 and 127.

 

Thanks for sharing your experience to date, I too am at the N244 stage following the lifting of a stay and my case is progressing.  It is really helpful to be able to see how they have constructed their WS and exhibits and being able to understand what compliant and non-compliant documents may look like.

 

I hope you are able to resolve this in a way that is manageable for you.

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3 hours ago, kjw327 said:

Hi @albouk, I wanted to let you know that your full name appears several times within your upload in post number 3.  It is on pages 70, 83, 88, 97, 111 and 127.

upload a new file and i'll swap

 

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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3 hours ago, albouk said:

Do you have your own post up with your claim? Im fighting this one on a couple of technical defences.

 

kjw327's Content (consumeractiongroup.co.uk)

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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After reviewing my witness statement Mortimer Clarke have stated their client is willing to accept a settlement of £600 which was my last offer to them! Thats because they have absolutely no chance in winning their case. I have told them to proceed to Tuesday’s hearing, where they will either have their claim dismissed or have it sent to trial and have to pay my costs and their own expenses.

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I will be able to share that dependant on the outcome of Tuesdays hearing or if they walk away from the case before then. I don’t want to jeopardise anything just yet.

 

After reviewing the letter again, it stated let us know if you don’t want to settle for £600 so we can take further instructions from our client. So, I called to give them every opportunity to walk away from the case before Tuesday’s hearing. Let’s see what happens between now and then. I will update this post as soon as I have anything more to share.

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1 hour ago, albouk said:

I will be able to share that dependant on the outcome of Tuesdays hearing or if they walk away from the case before then. I don’t want to jeopardise anything just yet.

 

 

thats not fair on CAG members , their threads you've read nor CAG as a whole

the forum has helped you 

its not for being selfish

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Maybe but I won’t upload until the case is resolved either way. The other day you told me I had no defence. This statement was also compiled from research I’ve done outside of this forum. If you feel I’m being unreasonable or its against your rules, then I’m happy to remove my account.

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same outcome, you've abused people goodwill. we dont remove accounts no.

 

no one has said you have no defence, you already filed that long ago, 

if you mean the ideas to put in your WS, which you were popping up, you got honest answers.

 

didn't mean you couldn't put it up and ask for help on it.

thats probably what others were waiting for....

 

never mind 

moving on.

 

dx

 

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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